Mortgage Rates Stable, Purchase Demand Rising 1-8-2026
“In the first full week of the new year, mortgage rates remained within a narrow range, hovering close to the 6% mark,” said Sam Khater, Freddie Mac’s Chief Economist. “The combination of solid economic growth and lower rates has led to improving momentum in for-sale residential demand, with purchase applications up over 20% from a year ago.”
News Facts
- The 30-year FRM averaged 6.16% as of January 8, 2026, up slightly from last week when it averaged 6.15%. A year ago at this time, the 30-year FRM averaged 6.93%.
- The 15-year FRM averaged 5.46%, up from last week when it averaged 5.44%. A year ago at this time, the 15-year FRM averaged 6.14%.
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